Wednesday, 13 March 2013

[www.keralites.net] Cinemagraphy at it's Best

 
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[www.keralites.net] Banks to publish photos of loan defaulters in newspapers

 

The action will be taken if loans not cleared within 15 days of issuance of notice
Adopting a name and shame policy to make borrowers pay their dues, banks have decided to publish in newspapers photographs and details like names and addresses of wilful loan defaulters and market leader SBI has taken the lead in doing so.
 
Besides, banks would also publish photographs, names and addresses of guarantors of such defaulters in newspapers if the dues are not cleared within 15 days of the notice containing particulars of the original borrowers.
 
Some banks have also decided to prominently display the photographs and other details of the wilful loan defaulters at branches in the locality of such borrowers, a senior executive with a leading bank said.
 
Taking the lead, State Bank of India (SBI) has begun publishing photographs and other particulars of such defaulters and has published one such public notice in newspapers for five defaulters in the national capital.
 
These persons had taken export credit loans of Rs three lakh each and their outstanding amounts were in the range of Rs 2.6 lakh to Rs 2.93 lakh.
 
Executives at many other banks said that they would also publish the photographs and other details of their wilful defaulters in local newspapers circulated in areas of residence of such persons.
 
As per RBI's regulations, wilful defaulters are mostly those who are found to be engaged in deliberate non-payment of dues despite adequate cash flow and good networth.
 
Besides, banks can also classify defaulters as 'wilful' if the loans are utilised for purposes other than those previously stated, funds are siphoned off from the bank-financed activity, records are falsified, securities are disposed of without bank's knowledge and the borrower indulges in fraudulent transactions.
 
RBI has already put in place a system to disseminate credit information pertaining to wilful defaulters for cautioning banks and financial institutions, so that any further bank finance is not made available to such borrowers.
 
Now, banks have decided to make public the photographs and other details of wilful loan defaulters through newspaper notices, so that such borrowers clear their dues. Besides, banks also expect such notices to act as a deterrent for others against any loan defaults.
 
In one such notice, SBI said that names and photographs of the guarantors of those defaulters would be published in newspapers if these borrowers do not clear their dues within 15 days of the publication of notice.
 
The bank also warned other defaulters that "their photograph may be the next to be published after completion of necessary formalities, if the dues are not cleared immediately".
 
RBI has also asked Credit Information Bureau India Ltd (CIBIL) to publish a list of wilful defaulters involving defaults of Rs 25 lakh and above.source  business standard
Best Regards

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[www.keralites.net] Khatte-mitten khabharain from around the world for 13/3/13

 

 
( He said it centuries ago when things were very different.   No quote, however mighty the sayer be, is sacrosanct and hold true for all time to come.  It is because we still hold on to outmoded theories and belief that lawlessness thrives because few, if any, of the hardened criminals get convicted)
 
**
 
Tongue very much in cheek'�
 
Good girls are bad girls that never get caught.
 
(Me: I woulnd'�t know'�)
 
**
 
Health tips.
 
Mint leaves sooth the digestive tract and ease the severity of stomach aches.
 
**
 
What can I do to relieve constipation?
 
Drinking lots of water is helpful in relieving constipation.  Also, adding fiber to your diet is very important. Eat whole foods, which naturally contain fiber also.  All-bran cereal or a psyllium husk (known as Isapgol in India) supplement can be helpful in getting you back in balance.
 
**

News of the day'�
 
Facebook likes can reveal your intimate secrets.
 
Researchers were able to accurately infer a FB user'�s race,  IQ, sexuality, substance use and political views, just by analyzing their FB likes.
 
(Me: true.   Wot'�s the  earth-shaking discovery?)
 
**
 
SA diplomat recalled after wandering naked in China.
 
SA has recalled its consul-general to Shanghai following reports that he had been founding wandering naked near his official residence.
 
**
 
Tongue very much in cheek'�
 
'Don'�t hit at all if it is honourably possible to avoid hitting; but never hit soft'� '� Theodore Roosevelt.
 
(Me: So?  Hit hard and where it hurts most!)
 
**
 
An eccentric philosophy professor gave a one question final exam paper.  He picked up his chair, plopped it on his desk and wrote on the board: 'Using everything we have learned this semester, prove that this chair does not exist.
 
Fingers flew, erasers erased, notebooks were filled in furious fashion.  Some students wrote over 30 ages in one hour attempting to refute the existence of the chair. 
 
One student, however, finished in less than a minute and was the only one to get an A.   His answer: 'What chair?'�
 
**
 
'The man of science is poor philosopher'� '� Albert Einstein.
 
(Me: our countrymen will make for gr8 philosophers'�. Lolz '� but it'�s no laffing matter, yaars n yaarinis)
 
**
 
Today'�s Amul ad: 'Herogiri se heroingiri tak?'�
 
(Me: if u didn'�t get it, it'�s a reference to our boxing champ mired in a heroin-taking charge..)
 
**
 
Non-news, all the same front-paged, of the day..
 
PM upset with Italy; envoy may get marching orders.
 
Italy decides not to send back the two marines accused of killing Kerala fishermen.
 
(Our country would have acted no differently if in their shoes '� there would have been tremendous public pressure not to return convicts, however grave their crime be.  Hypocrisy rules, clearly for public consumption..  Mind you, Italy has also paid crores in compensation to the victims'� families)
 
**
 
Man to wife: 'Since I took that time management seminar at work, I can stretch a 20-minue task into a 90-minute task'�
 
(Me: no, not a humour; it'�s very much a world-wide phenomenon.  In the 1970s, 80s and 90s, even managers left for home at the end of their regular working hours.  Now attending meetings after meetings and sitting late hours have become fashionable..)

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[www.keralites.net] Fw: ‘World Kidney Day’, March 14,=HEALTH-AWARENESS=

World Kidney Day, celebrated on March 14  
Aims to raise awareness of the importance of our kidneys to our overall health and to reduce the frequency and impact of kidney disease and its associated health problems worldwide. The Day has the following objectives:



 

wOrLd Kidney Day



The  World Kidney Day Campaign focuses on the important association between chronic kidney disease (CKD) and cardiovascular disease (CVD) and the fact that CKD is a major risk for CVD. The slogan for this year's campaign is "Protect Your Kidneys and Save Your Heart".

World Kidney Day calls attention to the large, and often unappreciated, role played by kidney dysfunction in increasing premature cardiovascular disease, the most common cause of morbidity and mortality worldwide.     

CVD is the most common of the chronic diseases that impact global mortality. About 30% of all deaths worldwide and 10% of all healthy life lost to disease are accounted for by CVD alone. Although there has been some decline in mortality from CVD in developed countries, no such decline has been reported in developing countries, in ethic and socially disadvantaged minority populations, or in people with accompanying CKD.

Kidneys serve a very important function in the human body, mainly to remove toxins and excess water from our blood. They help to control our blood pressure and red blood cell production and keep our bones healthy. Kidney disease is common, and often life-threatening. Fortunately many conditions are treatable, if detected early. Every year, millions of people die prematurely due to kidney failure and heart attacks and strokes linked to chronic kidney disease.  Diseases affecting the kidney are often silent, having few symptoms, especially in early stages. If left unchecked, the disease can progress or lead to kidney failure, which can then severely affect the quality of life.

If kidney disease is detected early, appropriate treatment can delay or prevent the development of chronic kidney disease. It is simple to detect early signs of kidney problems by taking some precautions and undergoing a few tests.

What can you do for your kidneys?

  1. Keeping fit and active- Keeping fit helps to reduce your blood pressure and thereby lowers your risk of CKD. Regular exercise helps you keep fit.

  2. Keep your sugar levels under check– Over half of people who have diabetes go on to develop kidney damage, so it is important for people with diabetes to get their kidney functions tested regularly. If detected early, kidney damage from diabetes can be reduced and even prevented.

  3. Monitor your blood pressure- Although many people may be aware that high blood pressure can result in a stroke or heart attack, few know that hypertension is also the one of the most common causes of kidney damage. If your blood pressure consistently goes 140/90 and above, you should discuss the risks with your doctor and monitor your blood pressure level regularly. High blood pressure is especially likely to cause kidney damage when associated with other risk factors like diabetes, high cholesterol and cardiovascular diseases.

  4. Maintain a healthy weight– Keeping your weight under check can help prevent diabetes, heart disease and other conditions risk factors associated with CKD.

  5. Eat healthy- Reduce your salt intake. The recommended sodium intake is 5-6 grams of salt per day (around a teaspoon). In order to reduce your salt intake, try and limit the amount of processed and restaurant food. It will be easier to control your intake if you prepare the food yourself with fresh ingredients.

  6. Say NO to smoking- Smoking slows the flow of blood to the kidneys. When less blood reaches the kidneys, it impairs their ability to function properly. According to many scientific studies, smoking also increases the risk of kidney cancer by about 50 percent.

  7. Don't take OCTs regularly- Common drugs such non-steroidal anti-inflammatory drugs like ibuprofen are known to cause kidney damage if taken on a regular basis. Such medications probably do not pose significant danger if your kidneys are relatively healthy and you use them for emergencies only, but if you are dealing with chronic pain, such as arthritis or back pain, work with your doctor to find a way to control your pain without putting your kidneys at risk.

  8. Check out for the "risk factors"– The following factors make you all the more vulnerable to CKD:
    • diabetes
    • hypertension
    • obesity
    • family history of kidney disease
    • Asian, African and Aboriginals origin

  9. Keep track of your cholesterol- Hypercholesterolemia (high levels of cholesterol in the blood) is linked with heart disease, strokes and kidney disease. That is why controlling your cholesterol level is crucial to your overall well-being.

  10. Stay well-hydrated- Many people are chronically dehydrated. It is always important to drink plenty of water, especially during summers. Individuals who suffer or have suffered from Kidney Stones in the past, should develop an appropriate hydration strategy. Just make sure you don't consume too much water. Try to strike the proper balance when it comes to hydration. You may consult your physician, if necessary.
Kidney diseases are silent killers, which will largely affect your quality of life. There are, however, several easy ways to reduce the risk of developing the kidney disease. Some of the important ways were listed above. 

 
Battered by caffeine, a poor diet & stress, your kidneys fight to filter your blood.
What Do Your Kidneys Do


The body is a factory. Your two bean shaped organs (kidneys) track the body's fluid usage, levels, pressure & location. Fluid is used to transport waste from the body's organs, to the kidneys for processing or treatment then, excretion as urine.

Your body also has to rid itself of gases, acids, oils, resins and sludge. Some of the compounds processed by the kidneys include, lactic acid, uric acid, various proteins, sugars, salts, excess calcium, potassium and ketones

When these products / by products cannot be fully flushed from the body, the body is forced to uncomfortably store them. Healthy kidneys will utilize between 64 to 128 ounces of fluid a day cleansing your system. 

Due to their importance in keeping us healthy, the Chinese call the kidneys "The Master Organ." Since all of our organs run on fluid, the kidneys regulate every organ of our body
 
.
 

 
How Your Kidneys Work 
 

 
Your Kidneys: The Master Organ Of Life 


The kidneys regulate your entire system including: the bladder, blood pressure, ovaries, estrogen, period cramps, testicles, testosterone, sperm production, uterus, prostate, sex drive, pancreas, spleen, lymphatic system, heart, ligaments, ears, scalp, right / left low back, upper back, left; shoulder, pectoral, trapezes, elbow; both calves, thighs, biceps, triceps, forearms, wrists, knees, ankles, your spine, all fingers and toes.

The only areas not regulated by the kidneys are your right shoulder, right pectoral and right trapezes, all monitored by your liver. Your right elbow represents your stomach.

There is never a kidney problem that does not include a liver problem. The two organs work hand and glove together. Always address them at the same time.
 

 
"The state of our internal organs are represented on the face
- Yellow King of China 's physician, circa 2670 B.C.
Fact: When an area of the face is very pronounced or calling attention to itself, it indicates a weakness or predisposition to weakness of the associated organ.
The half moon of darkness, redness, puffiness or pronounced wrinkling under each eye indicates the state of your kidneys. Your right half moon represents your right kidney and the left is the left kidney.
Regardless of age, these areas should be smooth and blemish free.

 

 
Location of Your Kidneys 

The kidneys are:
  • Two bean-shaped organs, one on each side of the backbone.
  • Represent about 0.5% of the total weight of the body.
  • 20–25% of your body's total blood supply can be found in the kidney at all times.
  • Cleanses the body's entire blood supply about 300 times a day.
  • Continuously regulates the chemical composition of the blood within narrow limits (diet permitting).
  • The liver and kidney form the major homeostatic (or balancing) centers for the body.
 

 
Do Your Kidneys Need Help

1) Low back pain, stiffness or soreness? 
2) Tire quickly or sleepy from 3-7 P.M.? 
3) Left shoulder pain, stiffness or soreness? 
4) Sore ankles, calves or feet? 
5) Rough periods or low sex drive?
6) Bladder infections & frequent urination?
7) Tinnitus, vertigo or high blood pressure? 
8) Puffy, red or dark circles under the eyes? 
9) Clear shapes in your field of vision? 
10) Weak nails that chip or break?
11) Sore, tingling or numb muscles?
12) Thyroid or lymphatic issues?
13) Swollen, stiff or sore wrists, knees or joints?
14) Scalp irritations or thinning hair?
15) Weak or sore left side of your body?
16) Spleen, pancreatic or weight issues?
17) History of kidney issues or kidney stones?
18) Reproductive health issues?




 
Follow the mentioned tips to lead a healthy and a happy life.


ALWAYS LISTEN TO YOUR FAMILY DOCTOR
The Kidneys Hate:
  • Alcohol
  • Excessive protein
  • Salts and excess sodium
  • Fried foods and processed fats
  • Caffeine
  • Sugar and Chocolate
  • Chemicals / drugs of all types
  • Dairy products
  • Processed Carbohydrates
  • Lack of sleep
  • Heavy Meals
Your Kidneys Need:
  • Clean Water
  • Fresh Fruit
  • Fresh Vegetables
  • Less protein
  • Light meals
  • A healthy Liver
 



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